Pricing & Transparency
Clear, flat-fee pricing — no assets, no commissions, no surprises.
Every retirement plan is unique, so we provide simple, transparent pricing that reflects the level of work and care your plan needs. All plans are quoted individually after we review your documents and plan design, but the ranges below give you a helpful idea of what most plans cost.
Typical Annual Fees
Standard 401(k) Plans
Most plans range from $1,800 to $3,500+ per year, depending on plan size and complexity. Includes annual compliance testing, Form 5500 preparation, plan document maintenance and year- end reporting.
Solo / Owner-Only 401(k) Plans
Plans start at $500 per year, which Includes Form 5500-EZ preparation, plan document maintenance and year-end reporting.
Fees generally remain the same unless the plan adds spouses or additional features.
Defined Benefit & Cash Balance Plans
Most plans range from $2,000–$4,000+ per year, which includes annual administration, Form 5500 + Schedule SB preparation, plan document maintenance, year-end reporting and the actuarial support required for these plan types.
All fees are estimates and may vary based on participant count, plan design, and plan features. Complete details are included in your engagement letter before services begin.
How We Bill
We bill quarterly in advance — January 1, April 1, July 1, and October 1 — so your plan costs are predictable and easy to budget.
For new clients, the first invoice is sent within 30 days of engagement and includes any setup or prior-quarter adjustments needed to align with our billing cycle.
Revenue Sharing
If your plan generates revenue-sharing payments through the recordkeeper, any amount over $250 per calendar year is credited back to your account.
You’ll see those credits on your invoices — a small but important way we ensure complete transparency in how we’re compensated.
What every DRPS client receives
Annual compliance testing and Form 5500 filing — prepared, reviewed, and filed on time
Year-round communication and reminders before key deadlines
Plan document maintenance, amendments, and restatements when required by law
Practical guidance when something changes — like ownership, eligibility, or contributions
Dedicated point of contact who knows your plan inside and out — no call centers or ticket systems
Coordination with your recordkeeper, accountant, and financial advisor to keep everyone aligned